CFR Valuation

Cullen/Frost Bankers Inc

Add to Watchlist

Advanced Chart

123.540

+0.26(0.211%)1D

Overview
Forecast
Valuation
Earnings

CFR Relative Valuation

CFR's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, CFR is overvalued; if below, it's undervalued.

Historical Valuation

Cullen/Frost Bankers Inc (CFR) is now in the Fair zone, suggesting that its current forward PE ratio of 13.00 is considered Fairly compared with the five-year average of 14.86. The fair price of Cullen/Frost Bankers Inc (CFR) is between 113.29 to 161.64 according to relative valuation methord.

Relative Value

Fair Zone

113.29-161.64

Current Price：123.54

Fair

13.00

Trailing

Forward

0.00

EV/EBITDA

Cullen/Frost Bankers Inc. (CFR) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Cullen/Frost Bankers Inc. (CFR) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.40

Cullen/Frost Bankers Inc. (CFR) has a current PS of 3.40. The 5-year average PS is 4.06. The thresholds are as follows: Strongly Undervalued below 2.41, Undervalued between 2.41 and 3.24, Fairly Valued between 4.88 and 3.24, Overvalued between 4.88 and 5.70, and Strongly Overvalued above 5.70. The current Forward PS of 3.40 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Cullen/Frost Bankers Inc. (CFR) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Cullen/Frost Bankers Inc. (CFR) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Cullen/Frost Bankers Inc (CFR) has a current Price-to-Book (P/B) ratio of 1.96. Compared to its 3-year average P/B ratio of 2.24 , the current P/B ratio is approximately -12.81% higher. Relative to its 5-year average P/B ratio of 2.05, the current P/B ratio is about -4.82% higher. Cullen/Frost Bankers Inc (CFR) has a Forward Free Cash Flow (FCF) yield of approximately 1.09%. Compared to its 3-year average FCF yield of 7.22%, the current FCF yield is approximately -84.83% lower. Relative to its 5-year average FCF yield of 7.27% , the current FCF yield is about -84.94% lower.

1.96

P/B

Median3y

2.24

Median5y

2.05

1.09

FCF Yield

Median3y

7.22

Median5y

7.27

Competitors Valuation Multiple

The average P/S ratio for CFR's competitors is 2.89, providing a benchmark for relative valuation. Cullen/Frost Bankers Inc Corp (CFR) exhibits a P/S ratio of 3.40, which is 17.46% above the industry average. Given its robust revenue growth of 8.17%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

CFR.N

Cullen/Frost Bankers Inc

Commerce Bancshares Inc

Western Alliance Bancorp

Pinnacle Financial Partners Inc

2.11

37.76%

6.97B

Performance Decomposition

Market capitalization of CFR increased by 9.85% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 482.60M to 522.01M.

The secondary factor is the P/E Change, contributed 1.91%to the performance.

Overall, the performance of CFR in the past 1 year is driven by Revenue Growth. Which is more sustainable.

8.17%

482.60M → 522.01M

Revenue Growth

-0.23%

30.15 → 30.08

Margin Expansion

1.91%

13.02 → 13.27

P/E Change

9.85%